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The groundwork for seamless digital processes in payment transactions has been laid.
In 2018, the credit transfer processes of financial institutions were successfully harmonized and migrated to the ISO 20022 standard.

The QR-bill is the next milestone on the road to digitalization, and following a transition period, it will replace the current inpayment slips.

The Benefits of Harmonization

Reduction in the number of different processes available today

Increase in processing speed

Uniform data structuring

Simpler implementation of regulatory requirements

Which products and procedures are affected by the harmonization?

Who is affected by the harmonization?

Both payers and billers are affected. Further information can be found using the main menu.